SFI Valuation

Is SFIN undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of SFIN when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: SFIN (RUB613.6) is trading above our estimate of fair value (RUB404.66)

Significantly Below Fair Value: SFIN is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for SFIN?

Key metric: As SFIN is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for SFIN. This is calculated by dividing SFIN's market cap by their current earnings.
What is SFIN's PE Ratio?
PE Ratio	8.8x
Earnings	₽3.45b
Market Cap	₽30.19b

SFIN key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	n/a
Enterprise Value/EBITDA	n/a
PEG Ratio	n/a

Price to Earnings Ratio vs Peers

How does SFIN's PE Ratio compare to its peers?

The above table shows the PE ratio for SFIN vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	14.2x
UCSS United Credit Systems	18.5x	n/a	₽16.7b
4081 Nayifat Finance	15.6x	n/a	ر.س1.7b
ARZAN Arzan Financial Group for Financing and Investment - KPSC	14x	n/a	د.ك191.0m
FACIL Commercial Facilities CompanyK.P	8.7x	n/a	د.ك115.0m
SFIN SFI	8.8x	n/a	₽30.2b

Price-To-Earnings vs Peers: SFIN is good value based on its Price-To-Earnings Ratio (8.8x) compared to the peer average (11.4x).

Price to Earnings Ratio vs Industry

How does SFIN's PE Ratio compare vs other companies in the European Consumer Finance Industry?

1 Company	Price / Earnings	Estimated Growth	Market Cap

1 Company		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: SFIN is expensive based on its Price-To-Earnings Ratio (8.8x) compared to the European Consumer Finance industry average (8.6x).

Price to Earnings Ratio vs Fair Ratio

What is SFIN's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

SFIN PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	8.8x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate SFIN's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.